Merchant Fund Express
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Inventory Funding for Printing Businesses

Stock paper, media, ink and blanks when the price and timing are right. Funding from $25,000, based on your recent deposits.

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Printing inventory

Buy the stock now, bill the jobs later

Bulk orders and seasonal buys tie up cash weeks before clients pay. We size offers on about three months of deposits so your shelves are ready when the work comes in.

As fast as
24 hours

Amount to request

$85,000.00

Funding range$25K to $5M

*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.

Built for how print shops buy

Quick and light on paperwork

Apply in about 5 minutes with roughly three months of statements. Funding in as little as 24 hours for qualified businesses.

More than a credit score

FICO 500+ considered, soft pull to start. Your deposit history matters.

Full cost before you commit

The total repayment amount is shown in your offer before you accept. No surprise costs after you sign.

Repayment you can map

Your schedule is laid out in the offer up front, so you can line it up with job billing.

Ready to see your numbers?

Fast decisions. Applying takes about 5 minutes.

Apply Now

How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

Paper doesn't wait for your receivables

Most print shops run on a mismatch. You buy coated stock, vinyl, banner material, ink and toner up front, then wait weeks for clients to pay. When a mill announces an increase, a distributor offers a pallet discount, or lead times on a specialty substrate stretch out, the shop that can pay now gets the stock.

Inventory funding for printing gives you that buying power. We review your recent deposits, and qualified businesses can see funding in as little as 24 hours.

Common inventory buys we see from printers

For illustration, a commercial printer heading into campaign season might stock up on card stock and envelopes for mailers while distributor pricing holds, then repay as those jobs bill out.

Which product fits a stock purchase

A single large buy often fits working capital or revenue-based financing, where payments track your sales volume. If you restock several times a year, a line of credit lets you draw for each order and pay down between them. Our printing cash flow guide covers the timing in more detail.

Buying smarter, not just bigger

Inventory funding works best when the stock is tied to work you can see coming. Before you apply, look at your last few seasons: which papers and media moved fastest, which clients reorder on a schedule, and how long it took to turn a pallet into billed jobs. That gives you a sensible order size and makes it easier to judge whether the repayment schedule in your offer lines up with when the money comes back in. Overbuying slow-moving specialty stock ties up cash just as much as an unpaid invoice does.

How the offer gets sized

The amount depends mainly on your average deposits and the obligations already coming out of your account. We ask for about three months of business bank statements, no tax returns, and start with a soft credit pull. FICO 500+ is considered and sole proprietors can apply. Apply in about five minutes.

Frequently Asked Questions

Can I use funding to lock in paper before a price increase?

Yes. Many printers use inventory funding to buy ahead when a supplier announces higher pricing or longer lead times.

Do you need my supplier quote?

It helps to know the order size, but the offer is based mostly on your deposits and existing obligations, not the invoice itself.

How much can a print shop get?

Funding ranges from $25,000 to $5,000,000. Where your shop lands depends on steady deposits and what you already owe each month.

Will I know the total cost before accepting?

Yes. The full repayment amount and schedule are in your offer before you sign anything.

I run a one-person screen printing shop. Can I apply?

Yes. Sole proprietors can apply, and we look at the deposits in your business account.

Paper pallets $38,000.00
Vinyl and media $27,500.00
Toner and ink $25,500.00
Blank apparel $41,000.00

Example uses for illustration only.

How to improve your chances

These habits help a printer get a clearer offer on inventory funding.

  • Run job payments through one business account
  • Keep supplier quotes handy for the buy
  • Track which clients drive seasonal orders
  • List current loan or advance payments

Inventory funding compared

Merchant Fund Express
Traditional bank loans
Time to apply
About 5 minutes
Hours of paperwork
Tax returns
Not required
Usually required
Credit range
FICO 500+ considered
Often stricter cutoffs
Funding speed
As little as 24 hours if qualified
Weeks in many cases
Sole proprietors
Can apply
Varies by bank

Get your stock on the shelf

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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